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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,971 | $81,358-69.3% | $155,556-83.9% | $80,959-69.2% |
| Participation rate | 71.4% | 66.3%+5.2pp | 78.2%-6.8pp | 67.7%+3.8pp |
| Annual return | 17.93% | 33.39%-15.5pp | 64.84%-46.9pp | 35.67%-17.7pp |
| Employer contribution / active EE | $2,112 | $3,106-32.0% | $4,675-54.8% | $2,757-23.4% |
| Participant deferral / active EE | $4,804 | $3,455+39.0% | $5,631-14.7% | $4,300+11.7% |
| Admin fee / account holder | $3,453 | $7,994-56.8% | $15,885-78.3% | $6,925-50.1% |